I just took out a policy with HU. My previous policy was thru USAA underwritten by Travlers. When I took the policy out I was told by the lady at Travlers it included E&O... I didn't think much about it till I got a letter from a few weeks ago them asking me to call sometime just to see we needed to adjust the policy or anything since it had been a couple years. I did and found out that I actually did not have E&O only equip and liability. I dropped them and moved to HU where I got as much or more policy wise plus E&O for only about 40 year more. I am paying around $550 for $16000/equip